Consector
Next generation digital credit brokerage service for mortgages, private loans and credit cards. Consector guides individuals in assessing, improving and renegotiating their loans and credits.
| Date | Investors | Amount | Round |
|---|---|---|---|
| - | investor investor | €0.0 | round |
| N/A | €0.0 | round | |
| N/A | €0.0 | round | |
| N/A | €0.0 | round | |
* | SEK3.0m | Seed | |
| Total Funding | 000k | ||
| EUR | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Revenues | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % growth | 58 % | 44 % | (15 %) | 3 % | (16 %) | 3 % | (11 %) |
| EBITDA | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % EBITDA margin | 5 % | 5 % | 12 % | 8 % | 9 % | - | - |
| Profit | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % profit margin | (5 %) | - | 4 % | 1 % | 4 % | (13 %) | (10 %) |
| EV | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| EV / revenue | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| EV / EBITDA | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| R&D budget | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
Source: Company filings or news article
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Consector, operating under the brand Lånekoll, is a Swedish financial technology firm that functions as a comprehensive loan broker for private individuals. The company was founded in 2014 by Pontus Holgersson and Jonas Ryberg, with its headquarters in Stockholm. Holgersson, who also serves as the CEO, drew upon his extensive background in the banking and finance industry to establish the company. His career includes roles at Söderberg & Partners and Brummer & Partners, along with a master's degree in Business & Administration from Lund University and further studies at ESCP Business School, shaping his understanding of consumer financial behavior and digital strategies.
The firm provides a digital platform where consumers can compare, apply for, and renegotiate various types of loans. Its core services encompass mortgages, private loans, and car financing. Consector assists clients in securing new mortgages, obtaining loan promises for property purchases, and refinancing existing loans to achieve more favorable terms. The company also facilitates the consolidation of multiple smaller debts into a single private loan. It positions itself as both a loan intermediary and a personal financial advisor, aiming to empower consumers by simplifying the lending landscape and providing personalized guidance.
Consector's business model is based on a commission framework. The service is free for the end-user; the company generates revenue by receiving a commission from the banks and credit institutions it partners with when a customer finalizes a loan through its platform. This model allows it to offer impartial advice and compete on behalf of the customer to secure the best possible loan conditions. The firm also offers a free membership service, Extrakoll, which provides users with a higher level of service and tailored information.
Keywords: loan brokerage, mortgage comparison, personal loans, refinancing, debt consolidation, financial advisory, fintech, consumer lending, Swedish finance, loan negotiation, mortgage broker, car loans, private finance, interest rate comparison, loan application platform, Lånekoll, Pontus Holgersson, loan marketplace, financial services, consumer finance